With a cult following the world round, You Need A Budget (YNAB), helps you take total control of your money. The results are life-changing and include breaking the paycheck-to-paycheck cycle, paying down debt, and saving more money faster – not to mention a good night’s sleep.
Recenzii utilizatori: Foarte pozitive (744 recenzii)
Data lansării: 19 dec., 2012
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Cumpără You Need A Budget 4


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"Help to budget your hugpillow and anime figs."

Actualizări recente Afișează tot - (6)

16 septembrie

New YNAB Version [4.3.651 (Mac) & 4.3.652 (Win)]

This latest version of YNAB now handles DropBox for Business accounts correctly, as well as users with symlinks to redirect the DropBox folder location, includes tweaks to the Turkish Lira and Belarusian Ruble currencies, and fixes a few other issues.

Release Notes

- Belarusian Ruble now uses 'BYR' as the currency code.
- Turkish Lira now uses ' TL' as the currency symbol.
- YNAB now handles multiple DropBox root directories correctly (can happen when using DropBox for Businesses).
- Exporting the Net Worth Report now includes the account balances at the end of each month.

- On-budget transfer inflows in split transactions that also contain an uncategorized subtransaction are now correctly excluded from the uncategorized row on the budget screen.
- Having symlinks under the Dropbox folder no longer causes a crash.
- Fixed a rare crash on the Spending Trends report that could be caused by rapidly switching reports.
- Renaming a master category while only changing capitalization now works as expected.
- Using the keyboard to move focus from the top cell in a month now always cycles around to the bottom.
- Fixed a rare crash that could occur when getting the 'Income for [month]' category text.
- Scrolling on the Spending Trends summary panel now works correctly for a large number of months.
- Fixed a rare bug that could occur when auto-saving.
- Using the cleared balance when reconciling a credit account with a positive balance now works as expected.

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Ce spun criticii

Most Popular Personal Finance Software: YNAB

Kind of like EVE Online except there's no subscription fees and it's with real money.
Quantum (Steam user)

This is a game that could take months or years to play, but it is one of the most rewarding gaming experiences I have ever had.
gabbo1928 (Steam user)

Free Live Classes (No purchase required)

Learn how to use the YNAB method to turn your finances around. With free classes running every day, YNAB's education team will help you take total control of your money, making it work for you, instead of against you.

Click here to reserve a spot.

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Despre acest Software

"The World’s Best Budgeting Program" – The Internet

With a cult following the world round, You Need A Budget (YNAB), helps you take total control of your money. The results are life-changing and include breaking the paycheck-to-paycheck cycle, paying down debt, and saving more money faster – not to mention a good night’s sleep.

You’ve Never Budgeted Like This Before

The You Need A Budget software is clean and beautiful. Where other software packages suffer from years of feature creep, YNAB offers you exactly what you need: a simple, straightforward system to manage your money. But what makes it so powerful are YNAB’s Four Rules:

  • Rule 1: Give Every Dollar A Job
  • Rule 2: Save for a Rainy Day
  • Rule 3: Roll with the Punches
  • Rule 4: Learn to Live on Last Month’s Income

Show Your Money Who’s Boss

YNAB has a high-touch customer support team, a library of video tutorials, and offers free, live daily classes. With YNAB there is no reason why you can’t get rid of your debt, save for the future and finally insert that thing you've been wanting to do but you've been just too lazy to save for. No more excuses.

Cerinţe de sistem

Mac OS X
    Minimum:Windows XP
    • Processor:2.33GHz or faster x86-compatible processor, or Intel Atom™ 1.6GHz or faster processor for netbook class devices
    • Memory:512 MB RAM
    • Hard Drive:100 MB HD space
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Windows XP
    Minimum:Mac OS X v10.6
    • Processor:Intel® Core™ Duo 1.83GHz or faster processor
    • Memory:512 MB RAM
    • Hard Drive:100 MB HD space
    • Memory:1 GB RAM
    • Other Requirements:Broadband Internet connection
    • Additional:Minimum OS version is: Mac OS X v10.6
Recenzii utile ale clienților
12 din 14 oameni (86%) consideră această recenzie folositoare
1.2 ore înregistrate
Postat: 14 noiembrie
Don't let my negative review fool you...

YNAB is a great product, they put a lot of time and energy into it and do a great deal to teach people how to manage their finances.

I give it a NO vote because there is no currency conversion, as an expat that one little omission makes it unuseable for me. Yes, I can input what I was paid in the currency I get paid in, but all my bills are in another currency that is constantly changing. To add to the matter my family is in another country that pays bills and buys food in yet another country.

If you are based in one country and you don't have this problem YNAB is a great way to go...but if you are more than one currency its a PITA
A fost această recenzie folositoare? Da Nu
4 din 4 oameni (100%) consideră această recenzie folositoare
38.0 ore înregistrate
Postat: 16 noiembrie
Very easy to use. Helps me track spending habits and set money aside for monthly/annual costs.
A fost această recenzie folositoare? Da Nu
2 din 2 oameni (100%) consideră această recenzie folositoare
47.4 ore înregistrate
Postat: 30 octombrie
Been using for three months now..... AMAZING. Initially i was bumbed that you had to manual input spendings/earning but now realise exactly why the developers have done this ! Went and lashed out on a few games last month... usually i wouldnt think twice about it, money was in the bank why not. Now with this i have to take money out of a catagory and add it to the " gaming " catarogy....it really did help me realise that just becuase the money was present in the bank doesnt mean it was ' free to use it '. Brilliant !
A fost această recenzie folositoare? Da Nu
2 din 2 oameni (100%) consideră această recenzie folositoare
24.9 ore înregistrate
Postat: 10 noiembrie
Just the best budgeting software I know. Use this for 2 years now and it's pretty awesome!
A fost această recenzie folositoare? Da Nu
2 din 2 oameni (100%) consideră această recenzie folositoare
887.3 ore înregistrate
Postat: 12 noiembrie
I can't complain about this program at all. No matter what you are doing with money, it always ends up being tedious when managing a budget. This software is easy to use, streamlines the application of a flexible budget by giving you access to edit values on the fly and providing links to the info you need. What i mean is, if you are questioning a certain expense, hovering over the item in question provides info and takes you to the transaction when you click. It also collects the information and presents it to you in graphs which i thought was nice.
A fost această recenzie folositoare? Da Nu
1 din 1 oameni (100%) consideră această recenzie folositoare
175.4 ore înregistrate
Postat: 31 octombrie
I'll make this sweet and short: get it, it is ABSOLUTELY worth the money (and some).
A fost această recenzie folositoare? Da Nu
1 din 1 oameni (100%) consideră această recenzie folositoare
99.5 ore înregistrate
Postat: 3 noiembrie
This software has easily changed my life. I used to struggle with budgeting, and I reduced myself down to relying on pure Excel. Even with Excel, I still was not doing well with my overall budget and I kept missing my targets.

YNAB has changed all of that and I actually enjoy budgeting now because I can get a great view on my upcoming savings, and my ability to take a vacation.

I highly recommend this to anyone who needs budgeting help.

I will admit, at first, I didn't get it. I watched the videos, and I found myself struggling. I finally said 'screw it' and brought in my last month's budget/expenses/etc. After moving items around and such, it finally clicked in my head, and it's been amazing ever since.

Take note, I did get mine on a special sale (Black Friday I believe?) It is still definitely worth the $60.

(Former Excel/Microsoft Money/Quicken budgeter)
A fost această recenzie folositoare? Da Nu
1 din 1 oameni (100%) consideră această recenzie folositoare
173.1 ore înregistrate
Postat: 13 noiembrie
Changed my life. Not even kidding.
A fost această recenzie folositoare? Da Nu
1 din 1 oameni (100%) consideră această recenzie folositoare
74.6 ore înregistrate
Postat: 25 noiembrie
I was lucky to get this software while it was on sale.

This program is part personal guide and your part self-discipline. You write down what you have, the guide helps you manage, but it doesn't force you to follow it. You have to promise yourself that you don't spend anymore than what you assigned to a particular budget. If you are not self-disciplined, don't get this program. But if you want a challnege and a easy way to mange your income, get this software.
A fost această recenzie folositoare? Da Nu
2 din 3 oameni (67%) consideră această recenzie folositoare
1.0 ore înregistrate
Postat: 13 noiembrie
Added all my expenses and earnings, remainder was less than zero. 10/10 *tears*
A fost această recenzie folositoare? Da Nu
53.6 ore înregistrate
Postat: 19 noiembrie
This app helps me save tons of money each month! Well worth the price!!!
A fost această recenzie folositoare? Da Nu
686.3 ore înregistrate
Postat: 7 noiembrie
I've been using YNAB for the last two years and it has been very helpful to me to manage my budget and track my spending. Be sure to read through the YNAB website to understand the 4 rules of their method: 1) give every dollar a job, 2) save for a rainy day, 3) roll with the punches and 4) live on last month's income.

As I recall, it took a little while for me to learn the software but there's lots of helpful support info (just google your question) and it's really worth the time it takes to learn; after two years, it's easy and natural to use, fullfilling most of my budgeting needs. I think learning the software also changes the way I've thought about money and how to organise it -- for the better. Definitely recommend this software if you're looking for help in managing your money.
A fost această recenzie folositoare? Da Nu
2.1 ore înregistrate
Postat: 21 noiembrie
Easy to use, easy to learn, and really puts your expenses and spending habits in stark relief, which is the first step to changing them for the better. YNAB can put you on the road to the Promised Land of paying this month's bills with last month's money, as long as you can actually FOLLOW your budget.

And no, there's no "Steam Sale" category in expenses, but luckily YNAB lets you create your own. :)
A fost această recenzie folositoare? Da Nu
168.4 ore înregistrate
Postat: 5 noiembrie
This is one of the best tools I have ever used. It helps my wife and I sync or spending on our phones and establish a budget on the PC. It has help us transtion from engagement to a great first year of marriage. Get control over your $! The is worth every cent.
A fost această recenzie folositoare? Da Nu
116.5 ore înregistrate
Postat: 9 noiembrie
A lot of my friends and colleagues track their finances in Excel, I used to as well. I bought this during the winter sale for pretty cheap so that I could have something to track my income vs. spending a little easier. One of the best purchases I could have made. Makes my life 100x easier. Amazing for tracking income vs. spending and allocating every dollar that you have somewhere, managed to get the wife on-board and assisting with setting monthly budgeted amounts and now she's becoming much more financially savvy as well. Highly recommended if you want to start to get organized, great for tracking income that won't be reported on slips, tracking debt, bill comparison etc.
A fost această recenzie folositoare? Da Nu
21.9 ore înregistrate
Postat: 23 noiembrie
Picked this up back when it was on sale. Seriously, even at full retail price... this software is so worth it. It will change your life.
A fost această recenzie folositoare? Da Nu
178 din 219 oameni (81%) consideră această recenzie folositoare
1.5 ore înregistrate
Postat: 26 iunie
Kind of a bare bones indie resource management game, like EVE Online without spaceships, or if The Sims didn't care about the toilet so much. YNAB presents players with unique resource management challenges and a simple goal: Have more resources than everybody else. While there is no head-to-head competitive support in YNAB, the best competitive players are often showered with adoration much like the top players of competitive Starcraft in Korea. Not bad for an indie title.

But while YNAB captures the imagination with its easy-to-learn-hard-to-master concept and mechanics, it has some major flaws that can’t be ignored. In the interest of fairness, I think it’s important to list them all:

1) This game is the most egregious example of pay-to-win mechanics I have ever seen. *Significant* portions of the game are gated off for those who cannot pay. Not just DLC like new outfits for your character. We’re talking absolutely crucial content like the Education campaign or the Pay Your Rent So You Don’t Die Freezing In the Streets minigame.

2) Community members make significant content contributions – in fact they make the vast majority of all goods and services available in the game — but the monetization model for the YNAB game world fails to compensate them adequately, siphoning off most profits to support the owners of the means of production. A more equitable distribution of funds to community contributors like Valve’s Workshop system would be preferable.

3) While I found the protagonist to be generally likeable and intelligent, I found he often made inexplicably bad decisions like the infamous “Spend Your Whole Paycheck on the Steam Sale” scene. This kind of irrational self-abnegating behavior made me feel like I had no meaningful say in the story. And come on. It’s 2014. Do we really need another boring white guy headlining a title?

Overall, YNAB is a compelling indie title that makes a great deal out of very little, but the p2w mechanics and lack of next-gen graphics are a big drawback. Set aside a little money each month and pick it up during a sale.
A fost această recenzie folositoare? Da Nu
42 din 43 oameni (98%) consideră această recenzie folositoare
545.8 ore înregistrate
Postat: 21 iunie
Ok, so let me tell... in the spirit this is one more expense management software, just like Mint, just like Money. But I say that in the sense of needing to have the discipline to go through your expenses in a weekly basis at list. If you don't have the discipline for it, don't buy it! You'll end up using for about one or two months and letting it go.
After telling that, let me tell you what got my attention in YNAB. This is different from any expense management system because it is pro-active instead of reactive. In other systems, you'll enter you salary and then you'll be consuming it as you expend it during the month, until you receive a new salary. YNAB (You Need a Budget) presents a new concept in management called budgeting. Their philosophy is that once you have an income, you must allocate all of it, every penny, in the categories that you are planning to invest in that month. Even if the allocation of your money is in something like "saving for unplanned expense". Than you respect your allocation (budgeting) during the month. Every expenses that you log in the app will discount from your corresponding category budget. This is why YNAB is proactive. You don't have the sensation of money without a direction. Once you receive your money you'll have to plan where it will go.
This has been working great for me, I'm using for a couple of months now. Also, they have a mobile app that allows you to record your expenses on the go.
A fost această recenzie folositoare? Da Nu
24 din 28 oameni (86%) consideră această recenzie folositoare
27.0 ore înregistrate
Postat: 6 august
Great way to monitor your finances. Got it on summer sale 2014, worth every cent. Some usefull info you can get from two steam videos about this program, all I can add - YNAB REALLY helps. Usefull graphics, comparisons, simple way to add and monitor different accounts.

Small addition - steam can give a 75% discount on it, but very rare. So watch closely and dont miss it!
A fost această recenzie folositoare? Da Nu
12 din 13 oameni (92%) consideră această recenzie folositoare
130.8 ore înregistrate
Postat: 22 septembrie
If you are tired of making spreadsheets or need a simple yet effective solution to budget your money, YNAB is for you as it does it's job pretty decently. YNAB may be a bit lacking in features such as taking account of interest rates, importing bank statements and so on but the philosophy behind YNAB can be helpful to keep you in the black. It is also useful for international users as Mint does not support majority of the banks around the world.

Personally, I had found that this budgeting approach had helped me into developing "spend within your means" habit while encouraging me to save up for future such as an upcoming Steam sales or a new GPU for my PC. However, the YNAB's approach of personal finance will require you to be more proactive in your spending where you should be recording down each expense as soon as possible to make the most out of it. To make things easier, there is also a good mobile app for iOS and Android for you to keep track of your expense on the go then sync into your dropbox where you can access your data on both your PC and mobile devices.

I have been using it for almost a year and I found the software to be useful for my personal finance. I do recommend this software.
A fost această recenzie folositoare? Da Nu